国家助学贷款担保机制中四方经济体的博弈分析毕业论文.docVIP

PAGE 37 JIU 毕 业 论 文 题 目 国家助学贷款担保机制中四方经 济体的博弈分析 英文题目 State-subsidized student loan guarantee mechanism of four party g ame analysis of the economy 院 系 理 学 院 专 业 信息与计算科学 二零一二年五月 摘 要 国家助学贷款是为解决贫困大学生问题所采取的主要资助政策, 但是，近年来贷款学生的高违约率使国家助学贷款的施行陷入了困境。国家助学贷款中的成员不仅有银行一方, 而且包括学生、高校和政府。各方在国家助学贷款运行机制的作用下, 承担着相应的职责与义务。本文使用博弈论工具分析我国当前国家助学贷款中出现的信息的不对称性、政府的强制性、全国性征信系统的缺失性等问题。进而介绍国家助学贷款流程以及各方利益降低等情况，针对政府、银行、高校和学生在国家助学贷款中四方经济体的行为进行博弈分析. 建立起学校与学生之间、银行与学生之间、银行与高校之间以及银行、高校、学生三者间的博弈模型。然后对种模型进行细致分析，提出了建立国家助学贷款担保机制的必要条件是：必须完善个人征信系统，加强贷款过程监督，加大助学资金投入力度，优化社会信用环境，探索助学贷款新模式。此外，高校在国家助学贷款的过程中起到联系银行和学生的纽带作用，占据着相当重要的地位，并且拥有详尽的信息资源和广泛的毕业生信息来源。各高校要积极参与到贫困生国家助学贷款的管理中来，通过银行、高校、学生三方的相互制约及管理，达到防范及控制、减小损失及降低风险的目的。进而保障广大贫困生能够顺利获得贷款并完成学业，使国家助学贷款政策的执行进入良性发展的轨道。 关键字：国家助学贷款；担保机制；博弈树； Abstract National student loan is to solve the problems of impoverished college students, and take the main funding policy. However, in recent years the high default rate of loans to students made the state student loan implementation was immersed in predicament，National student loans are not only a member of the bank, as well as students, universities and government. The parties in the national student loan operation mechanism, to assume the corresponding responsibilities and obligations. This paper uses game theory tool to introduce the basic knowledge of the game theory, Then, the analysis of Chinas current national student loan in the presence of information asymmetry, the mandatory government, national credit system problems. Then introduce the national student loan process and the interests of all parties to reduce the related situation, In view of the government, banks, colleges and students in national student loans Quartet economic behavior by game theory, establishment of schools and students, and among students, between the bank and the bank between banks and universities, college students, between the three game model. To condu